INOVA

Charter #4968 | IN

500M-750M (169 CUs) Community (281 CUs)
5 500M-750M in IN

INOVA has 4 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 32.3% in tier
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Loans: Top 2.4% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.7% in tier
  • - Shrinking Wallet Share: Bottom 5.0% in tier
  • - Liquidity Strain: Bottom 10.6% in tier
  • - Efficiency Drag: Bottom 22.8% in tier
  • - ROA 0.82% below tier average
  • - Efficiency ratio 2.40% above tier (higher cost structure)
  • - Delinquency rate 0.19% above tier average
  • - Deposit Growth Rate: Bottom 3.6% in tier
  • - AMR Growth Rate: Bottom 6.5% in tier
  • - Net Worth Ratio: Bottom 6.5% in tier
  • - Net Charge-Off Rate: Bottom 8.9% in tier
  • - Share Certificate Concentration (%): Bottom 8.9% in tier
  • - Asset Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 47,509
+0.5% YoY+0.4% QoQ
 +7.8K 39,752
-2.7% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 Top 20.1% in tier
Assets $663.0M
-4.4% YoY-2.2% QoQ
 +$40.6M $622.4M
+0.3% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $606.5M
-4.2% YoY-0.4% QoQ
 +$170.6M $435.9M
-0.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 3.0% in tier
Deposits $525.6M
-6.0% YoY-2.7% QoQ
 $-12.4M $538.0M
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA -0.2%
-181.1% YoY-32.7% QoQ
 -0.8% 0.7%
+33.9% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Bottom 3.6% in tier
NIM 3.3%
+11.6% YoY+2.7% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 40th in tier
Efficiency Ratio 80.5%
+13.4% YoY-0.4% QoQ
 +2.4% 78.1%
-3.4% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 61st in tier
Delinquency Rate 1.0%
-47.2% YoY-1.5% QoQ
 +0.2 0.8%
-4.9% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 74th in tier
Loan To Share 115.4%
+2.0% YoY+2.4% QoQ
 +34.4% 81.0%
-1.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Top 0.6% in tier
AMR $23,831
-5.6% YoY-1.9% QoQ
 $-3K $26,482
+2.6% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 43rd in tier
CD Concentration 38.3%
-12.2% YoY-2.8% QoQ
 +13.9% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 Top 10.0% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#426 of 430 • Top 32.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.53%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (4)

Deposit Outflow

decline
#5 of 114 • Bottom 0.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -6.05%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $663.00M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#51 of 244 • Bottom 5.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -5.58%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Strain

risk
#83 of 258 • Bottom 10.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 115.39%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -4.22%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk
#403 of 521 • Bottom 22.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.50%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.35% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (4 metrics)

1
Loan-to-Share Ratio
balance_sheet
Value: 115.39%
Peer Avg: 81.02%
#1 of 169 Top 0.0% in 500M-750M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
5
Total Loans
balance_sheet
Value: $606.53M
Peer Avg: $435.95M
#5 of 169 Top 2.4% in 500M-750M tier
34
Total Members
engagement
Value: 47,509
Peer Avg: 39,752
#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (9 metrics)

164
Deposit Growth Rate
growth
Value: -6.05%
Peer Avg: 5.25%
#164 of 169 Bottom 3.6% in 500M-750M tier
163
Return on Assets (ROA)
profitability
Value: -0.16%
Peer Avg: 0.66%
#163 of 169 Bottom 4.1% in 500M-750M tier
159
AMR Growth Rate
growth
Value: -5.58%
Peer Avg: 3.12%
#159 of 169 Bottom 6.5% in 500M-750M tier
159
Net Worth Ratio
risk
Value: 8.06%
Peer Avg: 10.94%
#159 of 169 Bottom 6.5% in 500M-750M tier
155
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.51%
#155 of 169 Bottom 8.9% in 500M-750M tier
155
Share Certificate Concentration (%)
balance_sheet
Value: 38.26%
Peer Avg: 26.87%
#155 of 169 Bottom 8.9% in 500M-750M tier
154
Asset Growth Rate
growth
Value: -4.36%
Peer Avg: 4.33%
#154 of 169 Bottom 9.5% in 500M-750M tier
146
Loan Growth Rate
growth
Value: -4.22%
Peer Avg: 4.04%
#146 of 169 Bottom 14.2% in 500M-750M tier
135
Fee Income Per Member
profitability
Value: $141.89
Peer Avg: $199.27
#135 of 169 Bottom 20.7% in 500M-750M tier